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Included: Debit card purchases include PIN, signature, online and phone purchases that post during the fee period. Debit card payments include one-time and recurring payments of bills made with your debit card that post during the fee period.

Not Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo) and ACH (Automatic Clearing House) transactions.

Debit card purchases and payments must post during the fee period to be counted toward the total of 10 or more. The dates of your fee period are located in the “Monthly service fee summary” section of your statement. Transactions received after the applicable cut-off time or on a non-business day (Saturday, Sunday and federal holidays) are posted on the next business day.

A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM, do not qualify as a direct deposit.

On the primary account owner's 25th birthday, the account will automatically be subject to the then current monthly service fee.

Investment and Insurance Products are:

Not insured by the FDIC or any Federal Government Agency

Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate

Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested